While November 2016 was due to the demonetisation and the March and April of the same year could be attributed to seasonal year-end bulge, Soumya Kanti Ghosh, the chief economic adviser to the State Bank Group, said in a note on Friday.source https://economictimes.indiatimes.com/industry/banking/finance/banking/aggregate-bank-deposits-slump-in-fortnight-to-november-19-after-abrupt-rise-in-previous-15-days-report/articleshow/88073083.cms
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